Jonathan D. Warner is the co-founder and managing partner at Warner & Warner, PLLC in Albany New York. Jonathan focuses his practice in the areas of Consumer Bankruptcy Law, Foreclosure Defense Law, Consumers’ Rights Law, and Mortgage Modification assistance. Prior to attending law school, Jonathan graduated magna cum laude and Phi Beta Kappa from SUNY Albany in 2007. Thereafter, Jonathan graduated from the Michigan State University College of Law in 2011. During law school, Jonathan participated in the Jessup International Moot Court Team, served as an elected student leader in two student organizations, and worked as the Senior...

Scott T. Dillon is an Associate in the Bankruptcy department of Tully Rinckey PLLC.
Scott focuses his practice on bankruptcy litigation, including Chapter 7, Chapter 13 and Chapter 11 filings. He previously was an Associate of another Capital Region firm and a New York City International AMLAW 100 Firm. He has represented secured lenders, debtors, trustees, and creditor committees in consumer and commercial bankruptcies throughout the northeast corridor and has represented national lender institutions.
Scott has extensive court experience client representation in U.S. Bankruptcy Courts, U.S. District Courts and N.Y.S. Supreme Courts. Scott has represented individuals and companies in all aspects...

Our firm represents tax clients includes assisting non-filers in filing their tax returns, submitting offers in compromise to the IRS and New York State Tax Department, creating tax installment payment plans for unpaid taxes, negotiating penalty relief, and he also represents clients with criminal tax matters. Reduce the amount of taxes you pay, it is very important to consult with a tax attorney you can trust and who has the experience to help you. We focus on innovative solutions that minimize tax obligations and protect against undue penalties and consequences.

Max Smelyansky, who grew up in Bethlehem, graduated from Manhattan College earning a Bachelor of Science with a major in economics. He then graduated from the University of Baltimore School of Law, in Maryland. After graduating from law school, Max Smelyansky developed his law practice in Albany, specializing in Traffic Defense Law, Personal Injury Law, Landlord / Tenant Law, Family Law and Estate Planning Law.

Michael is a board certified commercial and consumer bankruptcy specialist (American Bankruptcy Board of Certification). He is admitted to the New York State Bar, as well as the United States District Court for the Southern, Eastern and Northern Districts of New York, the Second Circuit Court of Appeals and the United States Supreme Court. His concentration of practice is in the representation of debtors and trustees in bankruptcy liquidations and reorganizations.
Michael is the recipient of the President's Award for Pro Bono services, New York State Bar Association (1989, 1993 and 2007), and the Distinguished Service Award from the Legal Aid...

James Melita, who grew up in Gloversville, graduated from Plattsburgh State University of New York with a major in political science and a minor in economics. He then graduated from Thomas M. Cooley Law School in Michigan. After graduating from law school, James Melita formed his own law practice with offices in Albany and Johnstown, specializing in Traffic Defense Law, Criminal Defense Law, Collections Law, and Real Estate Law.

Tammy J. Arquette, Esq. has been practicing law in the Capital District and..beyond, including Albany, Schenectady, Saratoga, Rensselaer, Schoharie, Fulton and Montgomery Counties for over 20 years. Tammy J. Arquette is an experienced trial attorney, practicing primarily in the areas of divorce law, matrimonial law, family law, child custody, child support, paternity, separation agreements, and adoptions. Tammy J Arquette is also experienced in the areas of consumer bankruptcy law, vehicle and traffic law, DWI law, Real Estate including the purchase and sale of residential real estate, and criminal law.

Nancy Delain is a registered patent attorney working in a solo practice in the historic Schenectady Stockade. Coming later in life to the practice of law, she was a technical documentation professional for over 20 years before attending law school, working mainly in the computer industry writing and editing end-user materials. She regularly practices before the US Patent & Trademark Office in both patent and trademark areas. Her practice encompasses transactional patent, trademark, copyright, trade dress, trade secret, franchise and licensing matters. She also practices regularly before the US Bankruptcy Court for the Northern District of New York, handling Chapter...

Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.

If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.

Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.

Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.

Automatic stay:
An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.

Unsecured claim:
A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.